City Girl Savings | Budgeting, Money Management, and Goal Setting Tips for Women

Raya Reaves
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  • Self-Improvement
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Make good money but still feel behind financially? Struggling with budgeting, overspending, or figuring out where your money actually goes? Whether you're living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth...The City Girl Savings Podcast is your weekly money reset. Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth...without giving up the lifestyle they love. Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she's a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur...and she teaches women how to do the same. Each episode covers topics like: • Budgeting systems that simplify your life • Money mindset shifts that build confidence • How to stop overspending and save consistently • Paying off debt and keeping it at $0 • Building wealth while still enjoying your lifestyle • Financial organization, goal setting, and long-term security If you're a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset. Press follow and let Raya be the money coach in your ear every Monday...helping you budget your way to a life you truly love. Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

  1. 2d ago

    The Role of Gratitude in Building a Life You Actually Enjoy with Lindsay Bryan-Podvin

    Have you ever reached a goal you once wanted so badly...only to realize that, eventually, it just became normal? The raise. The trip. The new home. The growing savings account. The career milestone. For a little while, reaching it feels incredible. Then life keeps moving, and before you know it, you're focused on the next goal, the next income level, or the next version of yourself you're trying to become. There's nothing wrong with wanting more. I'm ambitious. I have big goals for my life, my finances, and my business, and I know many of you listening do too. But there's a difference between wanting to grow and spending your entire life waiting for the next accomplishment before allowing yourself to feel satisfied with what you already have. In this episode, I'm joined by certified financial therapist Lindsay Bryan-Podvin, founder of Mind Money Balance and author of The Financial Anxiety Solution, for a conversation about gratitude, ambition, money, and what it actually takes to enjoy the life you're working so hard to build. We're talking about why gratitude doesn't have to mean settling, how constantly chasing "more" can affect your relationship with money, and how ambitious women can appreciate what they've already created while continuing to pursue bigger financial and personal goals. Because you don't have to choose between gratitude and growth. There's room for both.   In this episode, we discuss: How Lindsay's own experience with money led her to become a financial therapist The role gratitude can play in our overall wellbeing and ability to enjoy our lives Why ambitious and high-achieving women may struggle with the idea of "enough" Why gratitude and ambition can sometimes feel like they're working against each other Whether becoming more content can actually make you less ambitious How to recognize the difference between healthy ambition and constantly chasing the next thing Why goals and accomplishments we once desperately wanted can eventually start to feel normal How constantly focusing on what you don't have can affect your spending and relationship with money What a healthy relationship between gratitude and spending can look like How to pursue financial goals without falling into the "I'll be happy when..." trap Why building a life you love also requires slowing down enough to actually notice and enjoy it Gratitude practices that go deeper than simply listing things you're thankful for How to appreciate where you are while still wanting more for your future   This episode is especially helpful if you: Are ambitious and goal-oriented but rarely feel satisfied for very long after reaching a goal Find yourself constantly focused on the next income level, financial milestone, purchase, or experience Want more for your life but sometimes feel guilty that what you already have doesn't feel like enough Struggle with financial anxiety even as your financial situation improves Want to build a healthier relationship with money without giving up your ambition Have caught yourself thinking, "I'll finally be happy when..." about a financial goal Want to become more present and actually enjoy the life you've worked hard to create   Why this matters: There's nothing wrong with wanting more. Wanting to earn more, save more, travel more, accomplish more, or create a different life for yourself can be a healthy part of growth. The problem is when "more" becomes the requirement for allowing yourself to feel good about your life today. Because there's always another milestone available. You can pay off the debt and immediately start worrying about the size of your savings account. You can reach the income goal and start thinking about the next one. You can finally afford the trip you've been dreaming about and already be planning what comes after it. If you're always waiting for the next accomplishment to give you permission to feel satisfied, you can spend years building a beautiful life without ever really experiencing it. That's where gratitude can become powerful. Not as a reason to stop growing. Not as a reason to ignore circumstances you genuinely want to change. And definitely not as a reason to tell yourself you should just be happy with whatever you have. Gratitude gives you the ability to recognize what's already good while continuing to work toward what's next. And when it comes to money, that perspective can help you make decisions from a place of intention rather than constantly chasing the feeling that the next purchase, income level, or financial milestone will finally make you feel like you have enough.   Timestamps: [06:00] Lindsay shares how her search for financial therapy didn't lead to much, so she took charge and became what she needed. [12:15] If gratitude and ambition feel like competing priorities for you, you're not alone. Lindsay shares a few reasons why they can feel at odds. [28:05] Lindsay encourages listeners to take an approach of gaining information when you make financial mistakes. What did you learn that you can apply next time? [35:45] Gratitude doesn't just have to be specific to your capacity for building wealth. It can also be for resources or community that helps you get by.   Resources Mentioned: Follow Lindsay on Instagram Join the Mind Money Balance Newsletter Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you're someone who is always thinking about what's next, I want you to leave this conversation with permission to hold two truths at the same time. You can want more, and you can deeply appreciate what you already have. You can be proud of how far you've come and still have bigger financial goals. You can want to increase your income and recognize how much your current income already allows you to do. You can save for the next trip while remembering that there was probably a version of you who once dreamed about being able to take the trips you're taking now. You can look at the money in your accounts and think about where you want those numbers to go next while also acknowledging what it took to get them where they are today. Gratitude doesn't have to make you less ambitious. It can help make sure you're actually present for the life your ambition is creating. So as you continue working toward whatever is next for you, don't forget to occasionally look around at what used to be next. Notice it. Enjoy it. Let yourself be proud of it. Then keep building whatever comes after it. You can be grateful for the life you have and still be excited about the life you're building.

  2. Oct 26

    What It Really Means to Be "Good With Money" (From a Money Coach)

    What does it actually mean to be good with money? Is it having a certain amount in savings? An 800 credit score? Never carrying credit card debt? Maxing out your retirement accounts? Knowing exactly what's happening in the stock market? Never spending money impulsively? Because if those are the requirements, a lot of women are probably walking around believing they're bad with money when that's not necessarily true. After years of coaching women with their finances, and going through my own financial journey, I have a very different definition. Being good with money isn't about making every financial decision perfectly. It's about having the confidence to make financial decisions based on your numbers, priorities, and the life you're trying to build. Sometimes that means confidently spending the money. Sometimes it means saving it. And sometimes it means having enough discipline to tell yourself no right now because there's something you want more later. In this episode, I'm sharing five signs that you're becoming good with money and why financial confidence, intentional decision-making, prioritization, and the ability to recover from mistakes matter more than following someone else's definition of financial success.   In this episode, we discuss: What being "good with money" actually means from a money coach's perspective Why financial confidence isn't the same as always knowing the perfect answer How knowing your finances helps you make decisions without constantly second-guessing yourself Why two women in similar financial situations can make completely different (and equally responsible) money decisions How having clear financial goals gives your everyday decisions direction Why being good with money sometimes requires sacrifice and discipline The important difference between financial deprivation and intentional prioritization Why you can't always have everything you want at the exact same time How to say no to something today because another financial goal matters more Why one bad money decision doesn't mean you're bad with money How recovering from overspending or a purchase you regret builds financial self-trust How to balance preparing for your future with enjoying your life today Why being good with money is an ongoing skill…not a financial destination you eventually graduate from   This episode is especially helpful if you: Constantly question whether you're making the "right" financial decisions Compare your financial progress to people who earn, save, or invest more than you Feel like being good with money means following a rigid set of financial rules Want to spend money confidently without constantly feeling guilty afterward Struggle to tell yourself no when a bigger financial priority requires it Tend to judge yourself harshly after overspending or making a money mistake Want to build more confidence and trust in your ability to manage money well   Why this matters: There are plenty of financial milestones worth working toward. Building savings matters. Paying down debt matters. Investing matters. Preparing for retirement matters. But none of those numbers, on their own, tell the complete story of how well you manage money. You can have plenty saved and still be terrified to spend. You can reach one financial milestone after another and never feel like you have enough. You can follow every rule someone on the internet gives you and still feel incapable of making a financial decision without someone else's approval. That's not the kind of financial success I want for you. I want you to know your numbers well enough to make your own decisions. I want you to understand what you're ultimately working toward so you can recognize which tradeoffs are actually worth making. I want you to be able to enjoy money when you have room to spend it, and have the discipline to say no when something else matters more. And when you inevitably make a decision you wish you'd handled differently, I want you to trust yourself enough to look at what happened, make an adjustment, and keep going. Because being good with money isn't about never getting it wrong. It's about developing the skills, awareness, and confidence to know what to do next.   Timestamps: [02:27] Being good with money means you can make decisions. You don't need outside parties telling you what's good or not. [05:45] Raya doesn't believe in cutting out the things you love from your budget to make progress, but that doesn't mean you'll never tell yourself no. [10:35] Life is going to happen. Being good with money means trusting yourself to handle what happens when the unexpected comes up. [13:43] We're always still learning and growing. Being good with money is about how you're managing the journey of where you're headed.   Resources Mentioned: Listen to CGS Podcast #195 - How Mastering Self-Discipline Has Helped Me Reach New Levels Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Before you leave this episode, I want you to think about your own definition of being good with money. Not the internet's definition. Not your parents' definition. Not the definition you've created by comparing yourself to someone who earns more, saves more, or appears to have everything figured out. Yours. Do you trust yourself to make financial decisions? Do you know what you're working toward? Can you confidently spend money when it aligns with your priorities, and tell yourself no when something else matters more? Can you make a mistake without turning that mistake into evidence that you're bad with money? And ultimately, is the way you're managing your money helping you create a life that actually feels good to live? Those questions tell me much more about your financial progress than whether you executed your budget perfectly this month. If you're not where you want to be yet, remember that every intentional financial decision is practice. Every time you check your budget instead of avoiding it, you're practicing. Every time you save before spending what's left, you're practicing. Every time you pass on something because a bigger goal matters more, you're practicing. Every time you intentionally spend money on something you value without beating yourself up afterward, you're practicing. And every time something doesn't go according to plan and you adjust instead of quitting, you're practicing. That's how financial confidence gets built. Eventually, managing money doesn't have to feel like this thing you're constantly trying to get right. It can become something you trust yourself to do. You are not behind…you are building. Consistency compounds. The steady work you're doing now is shaping your next level.

  3. Oct 19

    6 Surprising Reasons You Can't Stick to a Budget (and What to Do Instead)

    If you've ever created a budget, felt really good about it...and then realized two weeks later that you weren't following it anymore, this episode is for you. Maybe you've tried budgeting multiple times. You create the spreadsheet. You download the budgeting app. You write out your numbers. You promise yourself, "Okay, THIS month I'm actually going to stick to it." Then real life happens. You spend more than planned. An unexpected expense comes up. You have one expensive weekend. And suddenly you're right back to thinking, "See? I knew I couldn't stick to a budget." But struggling to stick to a budget doesn't automatically mean you're bad with money. Sometimes your spending expectations aren't realistic. Sometimes you're not tracking what actually happens after you create the budget. Sometimes you've left absolutely no room for anything you enjoy. And sometimes your budget works perfectly, as long as your life does too. In this episode, I'm breaking down six surprising reasons your budget may keep falling apart and what you can do differently to create a realistic budgeting system you can actually stick to. Because your life shouldn't have to become perfect for your budget to work. Your budget should help you manage your real life.   In this episode, we discuss: Why budgeting based on what you wish you spent can set you up for frustration How to create realistic spending expectations based on your actual habits and lifestyle How spending awareness gives you more options to adjust before the month is over Why your budget needs room for fun, wants, travel, and the things you genuinely enjoy How identifying what matters most can help you make better spending tradeoffs Why one overspending day doesn't mean you've ruined your entire budget How all-or-nothing budgeting can keep you stuck in a cycle of constantly starting over What to do after you overspend instead of abandoning your financial plan How believing you're "bad at budgeting" can affect your ability to improve Why budgeting is a skill you can learn, not an identity you either have or don't   This episode is especially helpful if you: Keep creating budgets but struggle to stick to them Make good money but still regularly overspend in certain categories Feel like budgeting is too restrictive to maintain long term Tend to give up on your budget after one bad spending day or weekend Have convinced yourself that you're simply "bad with money" Want a realistic budget that includes both financial progress and the things you enjoy Need a budgeting system that can adapt when real life doesn't go according to plan   Why this matters: When your budget repeatedly doesn't work, it's easy to make the problem personal. You tell yourself you need more discipline. You need to stop spending so much. You need to try harder. Or maybe you're simply someone who "can't budget." But those conclusions don't give you much useful information about what actually needs to change. A budget is a financial tool. And when a tool isn't working, the first question should be: why? Maybe you've consistently budgeted $100 for something that realistically costs you $300. Maybe you're creating a plan at the beginning of the month but never checking your actual spending against it. Maybe you've removed every enjoyable expense in an attempt to make faster progress. Or maybe your plan leaves absolutely no room for birthdays, car repairs, invitations, travel, or anything else real life throws at you. Those aren't character flaws. They're problems you can identify, learn from, and adjust. That's why I want you to think of an unsuccessful budget as feedback instead of failure. The goal isn't to create a budget you can follow perfectly. It's to create a system that keeps you connected to your money, helps you make intentional decisions, gives you room to enjoy your life, and allows you to adjust when things don't go according to plan. That's what makes a budget sustainable.   Timestamps: [02:22] Raya consistently sees women creating budgets based on what they wish they spent money on, instead of what they actually spend money on. [06:13] Knowing you're overspending as early as possible in the month gives you time to make changes to get back on track. [11:45] Do you already believe you're bad at budgeting? If so, it's a mistake that could cost you a lot of financial progress. [15:15] Give yourself permission to be fluid and flexible. Things are going to happen outside of your control; you need to be able to adapt.   Resources Mentioned: Listen to CGS Podcast #179 - 5 Ways Budgeting Can Be the Key to Living the Life You've Always Wanted Listen to CGS Podcast #3 - Breaking Through the Stigma of Budgeting Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you're listening to this episode and realizing you've made one (or maybe all six) of these budgeting mistakes, don't turn that realization into another reason to beat yourself up about money. Use it as information. You don't have to fix everything at once. Pick the part of your budgeting system that's creating the biggest problem right now and start there. Maybe you make your spending numbers more realistic instead of choosing the numbers you think they "should" be. Maybe you start tracking your spending consistently so you know what's happening while you still have time to make a different decision. Or maybe the next time you overspend, instead of deciding the month is ruined, you open your budget, look at the numbers, and figure out the next best move. That's what managing money well looks like. It's not never overspending. It's not following every number perfectly. And it's definitely not creating a financial life where nothing unexpected is allowed to happen. It's staying connected enough to your money that you know how to respond when something changes. A budget that hasn't worked for you in the past isn't proof that you can't budget. It's feedback. Figure out what wasn't working. Change the system. Give yourself the opportunity to get better at it. And if you've tried creating a budget on your own but can't seem to build one that works with your income, spending habits, goals, and actual life, that's exactly the kind of work I help women with through one-on-one money coaching. You don't need a perfect budget. You need one you can actually live with.

  4. Oct 12

    Why Making Good Money Isn't the Same as Managing It Well

    There's a very specific kind of frustration that happens when you make good money...but somehow, you still don't feel like you're doing well with it. You know you're earning a decent income, so it feels like you should have more to show for it. More money saved. Less credit card debt. More invested. More confidence when you look at your accounts. More freedom to take the trip, make the purchase, or handle an unexpected expense without wondering where all your money went. When your financial reality doesn't seem to match your income, it's easy to start questioning yourself. How am I making this much money and still struggling? But here's what I want you to understand: making good money and managing money well are two completely different skills. Earning more doesn't automatically teach you how to budget, control your spending, save consistently, plan ahead, or make intentional financial decisions. And without those systems in place, increasing your income can sometimes lead to increasing your lifestyle without actually helping you feel further ahead. I know because I've experienced this in both my personal finances and my business. In this episode, I'm sharing why your income shouldn't be your financial scorecard, what making six figures in my business taught me about the difference between earning and keeping money, and what managing money well actually looks like. If you're already making good money, you may not need another raise to start seeing meaningful financial progress. You may need a better system for what happens to the money you already make.   In this episode, we discuss: Why earning more money doesn't automatically create better money habits How lifestyle creep can quietly absorb increases in your income What reaching six figures in my business taught me about revenue versus profit Why what you keep matters just as much as what you earn The patterns I see in women who make good money but still don't feel financially secure Why making six figures doesn't prevent overspending, credit card debt, or financial anxiety What managing money well actually looks like in everyday life Why good money management doesn't require optimizing every dollar or giving up the things you enjoy How a strong money management system can help you spend with more confidence Why financial progress is ultimately about creating more options The financial systems to evaluate if your income doesn't seem to be translating into progress Why your salary isn't a financial report card   This episode is especially helpful if you: Make good money but constantly feel like you should be further ahead Earn a high income but still wonder where your money goes Feel embarrassed that budgeting, saving, or controlling your spending still feels difficult Have experienced lifestyle creep as your income has increased Want to save and invest more without giving up the lifestyle you've worked hard to create Know what you should be doing with your money but don't have a consistent system for actually doing it   Why this matters: Income matters. Having more money coming in can absolutely make saving, investing, paying off debt, and building wealth easier. But income is only one part of your financial picture. What happens after that money reaches your account matters just as much. If every raise, promotion, or increase in income is followed by higher spending, bigger fixed expenses, and a more expensive version of your existing lifestyle, you can earn significantly more without creating significantly more financial security. That's why money management matters. A strong financial system helps you decide what happens to your income before everything else gets the opportunity to claim it. It helps you know what you're saving for, what you're investing toward, which expenses need to be planned for, and what matters enough to you to spend on confidently. And importantly, managing money well doesn't mean being afraid to spend it. It means creating enough structure underneath your finances that you can spend on the things you value while still knowing your future is being taken care of. Because the goal isn't simply to make more money. It's to make sure the money you're already working hard to earn is actually moving the needle in your life.   Timestamps: [02:08] More money doesn't automatically create better money habits. Raya shares her experience with learning this particular lesson. [05:25] Everyone celebrates the amount coming, but that's only one part of the financial picture. What are you actually keeping? [10:18] Managing money well means you have a system that helps you make intentional decisions with your money. [13:45] If you realize you don't have a solid money system, that's useful information. You'll know what your next steps are – create a money system!   Resources Mentioned: Join Money Management Mastery, we start soon! Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you're listening to this and realizing you've spent a lot of time focusing on earning more without paying nearly as much attention to how you're managing what you already earn, I don't want that realization to turn into shame. I want you to see the opportunity in it. Because if you're already making good money, imagine what could happen when you start managing that money really well. Imagine looking back a year from now and being able to see what your income helped you create. You traveled. You went out. You bought things you genuinely loved. You enjoyed the money you worked hard to earn. And you also built your emergency fund. You invested consistently. You paid down debt. You prepared for expenses before they became emergencies. You made measurable progress toward the things you said mattered to you. That's the difference between simply earning money and managing it with intention. And if you're ready to close that gap, Money Management Mastery is open now for a short time. Over eight weeks, we're going to work together to build the systems that help you manage your money consistently, confidently, and in a way that actually supports the life you're working so hard to create. Because you probably don't need more information telling you to budget, save, or invest. You need a system that helps you actually do those things consistently. You can find the link to join Money Management Mastery in the Resources section above. Because you already know how to make money. Now it's time to master what you do with it. You're not behind, you're building. Consistency compounds. The steady work you're doing now is shaping your next level.

  5. Oct 5

    5 Systems Every Woman Needs to Manage Her Money Successfully to Live Fully with Andrea Woroch

    Making good money doesn't automatically mean you're good at managing it. You can have a great salary and still wonder where your money went. You can know you should be saving more and still struggle to actually do it. And you can create a budget that looks perfect on paper...only to watch it fall apart once real life gets involved. That's why successful money management isn't just about knowing what to do. You need systems that make doing it consistently easier. In this episode, I'm joined by nationally recognized consumer finance expert Andrea Woroch to talk about five money management systems every woman should have in place: budgeting, spending tracking, saving, automation, and regular financial reviews. Andrea's own financial journey began after finding herself thousands of dollars in credit card debt while earning $28,000 and living in New York City. By making small changes to her everyday spending, she was able to pay off her debt and eventually turn what she learned into a career helping other women take control of their finances. Together, we're talking about how to build financial systems that work in your actual life (not just on paper) so you can spend more intentionally, save consistently, reduce some of the mental load around managing money, and still have room to enjoy the life you're working so hard for. Because the goal isn't to spend your entire life thinking about your finances. It's to manage your money well enough that you don't have to.   In this episode, we discuss: Why knowing what to do with your money doesn't always translate into actually doing it The role financial systems play compared with discipline and willpower What makes a budgeting system realistic and sustainable Why flexibility matters when creating a budget you can actually stick to How tracking your spending creates awareness and helps you make more intentional decisions Spending habits that can have a bigger financial impact than you realize Why saving consistently can be difficult even when you make good money Which parts of your financial life can benefit from automation What you may not want to automate completely, and why staying engaged with your money still matters How financial systems can create more freedom rather than making money feel more restrictive Where to start if creating multiple money systems feels overwhelming   This episode is especially helpful if you: Make good money but still don't feel fully in control of it Know what you should be doing financially but struggle to follow through consistently Have tried budgeting before but haven't found a system that works in your real life Want to save more consistently without putting everything you enjoy on hold Feel overwhelmed by the amount of attention managing your finances seems to require Want a simpler, more organized way to manage your money and make progress toward your goals   Why this matters: You shouldn't have to constantly think about money in order to manage it successfully. The right financial systems give your money structure while reducing the number of decisions you have to make from scratch every day, week, or paycheck. A realistic budget tells your money where it needs to go. Tracking helps you stay aware of what actually happened. A savings system protects your future goals. Automation can reduce mental load and make important financial actions more consistent. And regular reviews give you a chance to make adjustments instead of waiting until something feels completely off track. But there's another piece that matters just as much: those systems need to work together and fit your actual life. Because structure for the sake of structure isn't the goal. The goal is to create enough clarity and consistency with your money that you're able to spend confidently, prepare for your future, and make room for the things you genuinely enjoy without constantly second-guessing yourself. That's what good money management can give you. Not just better numbers, but more confidence, more peace, and more freedom to live fully.   Timestamps: [05:15] Raya shares what prompted her to turn her financial situation around. Moving back home may have felt like a step backwards, but it propelled her (and Andrea) forward. [15:45] Your monthly bills could have wasteful spending in them. Andrea shares some examples of how to save more on bills you already pay. [28:18] A lot of people think that to be better with money they have to change their lifestyle. Andrea shares some ways to keep the fun in your life while improving your finances. [38:24] Automatic payments aren't always your friend. Andrea shares what people should be aware of when bills or subscriptions are on autopay.   Resources Mentioned: Follow Andrea on Instagram Join Money Management Mastery, we start soon! City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you're listening to this and thinking, "Okay, I probably need all five systems," don't let that turn into another reason to feel overwhelmed. Start with the system that would create the most clarity for you right now. Maybe that's finally creating a realistic budget so you know where your income needs to go. Maybe it's tracking your spending because you make good money but aren't completely sure where it's going. Maybe you know what your goals are, but you need to automate your savings so progress isn't dependent on remembering to transfer money every month. Or maybe you already have most of these pieces in place and what you're missing is a regular routine for reviewing, adjusting, and staying connected to your finances. You don't have to overhaul your entire financial life overnight. Build one system. Get comfortable using it. Then build from there. Because ultimately, becoming good at managing money isn't about thinking about money all day or following a perfect plan. It's about creating a structure you can trust…one that supports your responsibilities, your goals, and the things you actually want to experience in your life. If you've been trying to put these pieces together on your own but still feel like your financial life doesn't reflect how hard you've worked or how much you earn, you don't necessarily need more money advice. You may need a system that helps you put what you already know into practice. That's exactly what we work on inside Money Management Mastery. Over eight weeks, I'll help you get clear on your current financial situation, create a realistic plan for your money, better understand your spending, and build the habits and routines that help successful money management actually stick. Enrollment is open now, and you can find the link to join in the Resources section. And if you know you need more personalized, one-on-one support with your specific financial situation, you can also request a free call with me to learn more about private money coaching.

  6. Sep 28

    How to Make Your Money Decisions Stick Long Term

    It's one thing to decide you want to save more money. It's one thing to decide you want to stop overspending, pay off debt, stick to your budget, build your emergency fund, invest consistently, or become more intentional with your spending. It's another thing entirely to keep honoring that decision when real life shows up. When work gets stressful. When you're tired. When your friends invite you out. When your favorite store is having a sale. When the fresh-start energy wears off and you simply don't feel like making the responsible choice. That's where lasting financial change actually happens. Not in the decision itself, but in the follow-through. In this episode, I'm sharing six ways to make your money decisions stick long term without requiring perfection, cutting out everything you enjoy, or turning your budget into a punishment plan.  Because making a financial decision is only the beginning. If you want that decision to become a lasting habit, you need a plan designed to support it in your real life.   In this episode, we discuss: Why making a money decision isn't the same as designing a system to support it How to make saving, spending less, and sticking to your budget easier to follow through on Why your real priorities need to be reflected in your financial decisions How knowing what you value makes financial tradeoffs feel less restrictive Why I keep iced coffee in my budget, and willingly make tradeoffs elsewhere How to turn vague financial goals into specific actions you can actually follow Why mapping out your money by paycheck can make financial decisions clearer How regular reviews and adjustments help your money plan work through changing seasons Why consistency doesn't mean doing the exact same thing forever How to recover quickly after overspending or getting off track Why small promises kept to yourself can rebuild financial self-trust   This episode is especially helpful if you: Make good financial decisions but struggle to follow through consistently Keep restarting your budget or financial goals Want to stop overspending without feeling overly restricted Know what you want to change with your money but aren't sure how to make it stick Tend to abandon your plan after one mistake or unplanned purchase Want to feel more confident trusting yourself with money   Why this matters: Making the decision is often the easiest part. The harder (and more important) work is creating a financial life that makes following through on that decision realistic. That's why a decision to save more needs a savings system behind it. A decision to spend less may need new boundaries or a different environment. A decision to stick to your budget needs regular check-ins. And any financial plan you create needs enough flexibility to adjust when your life changes. Your decisions also need to reflect what you genuinely value. Because long-term money management isn't about proving how much you can deny yourself. It's about knowing which tradeoffs are worth making so your money can support the priorities that matter most to you. And when something doesn't go according to plan, you don't need to punish yourself or throw everything away. You review. You adjust. You make the next best decision. That's how consistency becomes sustainable, and how you start trusting yourself to follow through.   Timestamps: [03:27] You have to ask, "What needs to be true for this decision to be easier to keep?" That question changes the game. [08:06] Raya doesn't follow someone else's version of what a "good budget" should look like. She's not cutting out something just to look more disciplined on paper. [11:51] Mapping out your money by pay period is a common practice for Raya and her clients because it makes money management less overwhelming. [16:50] The goal is not to never get off track. The goal is to not stay off track. That is how your decisions start to stick long term.   Resources Mentioned: Listen to CGS Podcast #70 – My Budget Non-Negotiables Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've made a money decision that you haven't been able to maintain, don't automatically assume the decision was wrong, or that you're incapable of following through. Look at the design around it. What needs to change to make that decision easier to honor in your actual life? Maybe the goal needs to become more specific. Maybe you need an automatic transfer, a weekly money check-in, or a realistic spending category for something you genuinely enjoy. Maybe you need to adjust the timeline. Or maybe you simply need a plan for what you'll do the next time you get off track. Remember, the goal isn't to never make a mistake. It's to not let one mistake become a reason to abandon everything you've been building. Come back to the next best decision. Every time you follow through on a small promise to yourself, you're building evidence that you can trust yourself with money. And over time, those individual decisions become habits. Those habits become systems. And those systems become part of how you manage your money. That's how lasting change happens. Not through one perfect financial decision, but through continuing to show up for the decisions that matter to you. You are not behind! You are building. Consistency compounds. The steady work you're doing now is preparing you for your next level.

  7. Sep 21

    Why Motivation Isn't Enough to Change Your Money Habits

    Have you ever had one of those moments where you suddenly feel completely motivated to get your money together? Maybe you looked at your credit card balance and decided enough was enough. Maybe you got tired of making good money but still feeling like you had nothing to show for it. Or maybe a new month gave you that fresh-start feeling and you decided this was finally going to be the month everything changed. That motivation can feel powerful. It gives you energy. It gives you hope. And sometimes, it's exactly the spark you need to get started. But motivation usually isn't enough to keep you going. Because eventually, work gets busy. You're tired. Your stress level changes. An unexpected expense comes up. Your friends want to go out. Or online shopping starts looking especially tempting after a long day. That's real life, and your financial plan needs to be able to work there too. In this episode, we're talking about why motivation isn't enough to create lasting money habits and what you actually need to stay consistent with budgeting, saving, spending, and your financial goals. Because if you keep falling off, you may not need more discipline. You may need a better system.   In this episode, we discuss: Why motivation can get you started but usually can't keep you consistent How relying on a feeling can make your financial plan fragile Why I increased my automatic savings and investing transfers instead of relying on motivation to reach my 2026 goal How your environment can make good money habits easier (or harder) to maintain Simple ways to create more friction around impulse spending and less friction around saving Why your budget needs to work for your actual life, not an idealized version of it How making room for the things you genuinely enjoy can make a financial plan easier to sustain Why accountability is a strategy, not a sign that you're bad with money How regular money check-ins can help you reconnect before you completely fall off track Why lasting financial change comes from building systems, routines, and an identity that supports your goals   This episode is especially helpful if you: Start each month motivated to manage your money differently but struggle to stay consistent Know what you "should" be doing with your money but have trouble following through Feel frustrated because budgeting, saving, or tracking your spending never seems to stick Have tried restrictive or generic financial plans that don't fit your actual life Want to stop relying on willpower to make good money decisions Are ready to build money habits and systems you can maintain long-term   Why this matters: It's easy to make inconsistency mean something about you. You fall off your budget, stop tracking your spending, miss a savings goal, or start overspending again, and suddenly the story becomes, "I just need to be more disciplined." But discipline may not be what's missing. If your financial plan only works when you're motivated, energized, emotionally regulated, and able to give it your full attention, the plan isn't built to withstand real life. That's why systems matter. Automating your savings removes a decision. Changing your environment reduces temptation. Building a realistic budget gives you something you can actually follow. Regular check-ins give you a rhythm to return to. Accountability helps you reconnect before a rough week becomes six months of avoidance. None of those things require you to feel motivated every single day. And that's the point. Sustainable money management isn't about creating the perfect version of yourself. It's about creating enough structure around the person you already are that following through becomes easier.   Timestamps: [02:15] Relying on a feeling to support a habit is a problem because feelings change. This means your habits change too. [05:59] Raya shares an example of how she took action towards a goal instantly, instead of leveraging motivation to try to achieve it. [12:51] If you know something matters to you, don't make it hard on yourself by leaving it out of your budget. Cutting those things out is not a recipe for being good with money. [16:03] The goal of Raya's 12 week money coaching program is to build a money management system that sticks long term.   Resources Mentioned: Listen to CGS Podcast #209 – My Personal and Business Goals for 2026 Get a Custom Budget Plan by Raya Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've been telling yourself that you just need to try harder with your money, I want you to consider a different question: What would make following through easier? Maybe you need to automate the savings transfer instead of hoping there's money left at the end of the month. Maybe you need to remove the shopping apps that make impulse spending too convenient. Maybe you need a budget that actually includes the things you enjoy instead of requiring you to become a completely different person. Or maybe you know you do better with accountability and regular check-ins. Use that information instead of judging it. You don't need a financial plan that only works when you're at your best. You need one that can support you when work gets busy, motivation disappears, or life simply feels like a lot. The goal isn't to never fall out of rhythm. It's to have a system that makes it easier to come back. And every time you do, you're creating evidence that you are someone who can check in with her money, make intentional decisions, save on purpose, enjoy her life, and still make progress. That's how lasting money habits are built. Just a friendly reminder – you're not behind, you're building! Consistency compounds. The steady work you're doing now is shaping your next level, so keep going.

  8. Sep 14

    5 Frugal Habits that Actually Build Wealth

    When you hear the word "frugal," what comes to mind? Clipping coupons? Eating the same boring meals every day? Saying no to every fun thing you want to do? That's not the kind of frugality we're talking about here. Being frugal on purpose isn't about spending as little money as possible. It's about being intentional with the money you have so you can keep more of it, use it well, and create more options for your future. And when you practice the right frugal habits consistently, you're not just saving a few dollars here and there. You're building behaviors that can help you save more, reduce impulse spending, make better financial decisions, and ultimately build wealth. In this episode, I'm breaking down five frugal habits that actually support long-term financial progress, without requiring you to feel deprived or give up everything you enjoy. Because the goal isn't to spend the least. It's to make sure your money is going toward what matters most.   In this episode, we discuss: The difference between being frugal and simply being cheap Why pausing before a purchase can help reduce impulse spending How planning your income before you receive it makes intentional spending easier Why your budget should reflect your actual life, priorities, and personality How automating your savings helps turn saving into a consistent habit Why realistic savings goals can be more powerful than aggressive ones you can't maintain How to recognize the difference between value-based and emotional spending Why something being on sale doesn't automatically make it a good financial decision How weekly money check-ins help you identify spending leaks, opportunities, and wins Why intentional frugal habits can create more options and support long-term wealth   This episode is especially helpful if you: Want to save more money without feeling deprived Make good money but still find yourself impulse spending Want practical frugal habits that fit into a full, busy life Struggle to consistently prioritize savings Want your spending to better reflect what you actually value Are looking for sustainable ways to build wealth without cutting everything you enjoy   Why this matters: Building wealth isn't only about how much money you make. What you consistently do with that money matters too. Frugal habits can help create space between earning and spending so more of your income can go toward savings, debt payoff, investing, experiences, and the other goals that matter to you. But sustainable frugality isn't about cutting back everywhere. It's about knowing where you're willing to spend less so you can intentionally build more somewhere else. That's why something as simple as pausing before a purchase, planning your paycheck before it arrives, or reviewing your spending every week can have an impact far beyond that one decision. Repeated over time, those choices help you build awareness, strengthen your financial habits, and create more options for your future. That's the kind of frugality that can support wealth, not because you're constantly saying no, but because you're getting much clearer about what deserves a yes.   Timestamps: [02:10] A lot of people hear the word frugal and think of being cheap. Raya breaks down the difference between frugal and cheap. [06:55] Having a plan for income before you get it is one of the best practices a person can implement for successful budgeting. [13:48] Give your future self options by building the habit of automating your savings and making it a positive money cycle. [18:15] Raya's clients don't like to look at their accounts because they don't want to face what's happening with their money. If you avoid your money, you're not alone.   Resources Mentioned: Join the Frugal Fall Savings Challenge Get a Custom Budget Plan by Raya CGS Podcast #70 – My Budget Non-Negotiables Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've been thinking that becoming more frugal means making your life smaller, I want you to leave this episode with a different perspective. Being frugal on purpose is about deciding what deserves your money before everything else gets the chance to claim it. It's pausing long enough to recognize an impulse. It's giving your paycheck a plan. It's consistently saving for future you. It's confidently spending on the things that genuinely add value to your life. And it's staying connected to your money so you can make adjustments before small decisions become bigger problems. You don't need to implement all five habits perfectly starting tomorrow. Choose the one that would make the biggest difference for you right now and practice it consistently. If you're listening when this episode goes live and you want some extra support putting these ideas into action, join us for the Free Frugal Fall Savings Challenge. And if you're listening later, create your own mini frugal reset: choose a savings goal, identify one area where you want to spend more intentionally, and give yourself a timeframe to work toward it. Managing your money well isn't about saying no to everything. It's about saying yes to the things that matter most, with a plan to support them. You are not behind…You are building. Consistency compounds. The steady work you're doing now is shaping your next level.

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Make good money but still feel behind financially? Struggling with budgeting, overspending, or figuring out where your money actually goes? Whether you're living paycheck to paycheck, earning a solid income but struggling to stay organized, or ready to finally build real wealth...The City Girl Savings Podcast is your weekly money reset. Hosted by Money Coach and City Girl Savings founder Raya Reaves, this podcast helps women master budgeting, improve money management, stop overspending, pay off debt, and confidently build wealth...without giving up the lifestyle they love. Raya knows what it feels like to make money and still feel out of control. After years of overspending and credit card debt, she transformed her finances using simple budgeting systems and intentional money habits. Today, she's a full-time financial coach, second-home owner in Palm Springs, and wealth-building entrepreneur...and she teaches women how to do the same. Each episode covers topics like: • Budgeting systems that simplify your life • Money mindset shifts that build confidence • How to stop overspending and save consistently • Paying off debt and keeping it at $0 • Building wealth while still enjoying your lifestyle • Financial organization, goal setting, and long-term security If you're a working woman who makes good money but knows you could be doing more with it, this podcast is your weekly money reset. Press follow and let Raya be the money coach in your ear every Monday...helping you budget your way to a life you truly love. Follow City Girl Savings on your favorite podcast platform, or visit: citygirlsavings.com to learn more! Join the weekly newsletter for practical money strategies and mindset shifts: https://citygirlsavings.activehosted.com/f/31 Connect with Raya on TikTok, Facebook, or Instagram: @citygirlsavings

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